DolFin vs Ownspend

DolFin is a budget app for iPhone that fills itself in from your bank statement. No bank login, no typing. You upload the statement you export yourself, and DolFin shows every charge that keeps coming back: subscriptions, contracts, fees. Every number opens the payments it was calculated from, so you can check it. WHERE DID THE SALARY GO? You earn well and still wonder where it went by the end of the month. It is rarely the big things. It is payments that just keep running: a subscription you never cancelled, a contract that quietly got pricier, a fee you never noticed. DolFin finds them in your statement. HOW IT WORKS 1. Export your statement as a PDF or CSV. 6 to 12 months in one file works best. 2. Upload it to DolFin. You guess first, then your statement shows the truth. 3. For each finding you decide: it stays or it goes. WHAT YOU GET • Every recurring charge, named and dated • The payments behind every number, so you can check it • Price rises your statement shows • What gets charged next, with approximate dates • After you cancel: your next statement shows whether the charge really stopped • Your month by category, with a budget, without typing • 22 short lessons about money, 3 to 5 minutes each NO BANK LOGIN DolFin never connects to your bank. You give it one file only. A CSV is read on your iPhone. A PDF is read by DolFin's server. If DolFin does not know your bank's layout, an AI service (OpenAI) can help read it, but only if you explicitly agree. YOU DECIDE DolFin never cancels anything for you. It shows you what keeps coming back. What stays and what goes is up to you. START FREE Your first check, the first three findings and the newest month are free. DolFin Pro shows every finding and every month of your statement, and runs a fresh check each month. Apple shows the price and length before you buy. The subscription renews automatically unless you turn it off in your Apple account settings at least 24 hours before it ends. IMPORTANT DolFin provides information and spending review tools. It does not provide financial, investment, tax, or legal advice. DolFin reports the charges it finds in the statement you upload and flags what is worth a look. You decide what to change. Terms of Use: https://dolfinapp.org/terms.html Privacy Policy: https://dolfinapp.org/privacy.html Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ownspend is the expense tracker for people who tried budgeting apps and quit. No bank password. No account. No three-hour setup weekend. Open it, tap plus, type what you spent, and watch it fill a spending wheel that's actually worth looking at. In 90 seconds you'll see the one thing you opened the app for: where your money actually goes — not where you think it goes. (Same app, new name: ClearSpend is now Ownspend. Your expenses and your Pro unlock are exactly where you left them.) SEE EVERYTHING AT A GLANCE Each category is an arc on the Spending Wheel, sized by what you've spent this month, in warm colors you can read in three seconds. Tap an arc to drill into it. The wheel fills in real time as you log, so you always know if you're on track. LOG IT IN 3 TAPS The numeric keypad is waiting the moment you tap add. Amount, category, done. Optional note. Ownspend remembers your recent amounts and categories, so logging that morning coffee takes seconds — before you forget. BUDGETS THAT ACTUALLY HELP Set a monthly limit per category and watch your progress inline. Ownspend warns you as you near a limit and flags the ones you've gone over — no end-of-month surprises. YOUR HISTORY, INSTANTLY SEARCHABLE Every transaction, newest first. Search by keyword, filter by category or date, sort by amount. Record the cash spending no automatic tracker ever captures. BRING YOUR OLD APP WITH YOU Switching trackers usually means starting from zero. Export a CSV from the app you're leaving and import it here instead — Ownspend shows you exactly what it will create, every row, before anything is written. ON IPHONE AND IPAD A real iPad layout — sidebar, dashboard and history side by side — not a stretched-up phone app. Attach a receipt photo to any expense, and record where you spent it. PRIVATE BY DESIGN, NOT BY POLICY Ownspend is local-first. Your expenses live on your device, and we never link to your bank or ask for a password. Use it solo and there is no account and no sign-in at all — nothing to leak, nothing to breach. Shared Wallet is opt-in, and free. Share a wallet with one other person — a partner, a flatmate — and you both see every expense as it is added, and who added it. Only that wallet's expenses sync; everything else stays on your device. Sign in with Apple or Google, and delete your account whenever you want, right there in Settings. WHAT YOU GET, FREE - The Spending Wheel and full category breakdown - 3-tap Quick-Add logging - Up to 3 categories and 60 days of history - One savings goal - Monthly summary card you can share - Multiple wallets for cash, checking, and cards - CSV import, so switching costs you nothing - Shared Wallet, with one other person OWNSPEND PRO — YOUR CHOICE, NO GAMES Pro removes the limits. Start with a 7-day free trial on the monthly or yearly plan — or skip subscriptions entirely, pay once for the lifetime unlock, and own it forever. Pro adds: - Unlimited categories and unlimited history - Per-category monthly budgets and alerts - Unlimited savings goals - Recurring transactions and subscription tracking - Home screen widgets - Export to CSV or JSON for tax time The free tier is genuinely useful — it's the trial. Upgrade only when you outgrow it. WHY OWNSPEND Most budgeting apps want your bank credentials, charge you forever, or make you learn a methodology before you can log a coffee. Ownspend works offline, from the first tap, and keeps your financial life on your device. You own your spending — and you can own the app outright too. --- Ownspend is a personal budgeting and expense-tracking tool, not financial, investment, or tax advice. For guidance specific to your situation, talk to a qualified financial professional. Questions? Email dark2torch@gmail.com — we usually reply within a day or two. — Terms of Use (EULA): https://moathothman.github.io/ExploringIdeas-legal/clearspend/terms.html Privacy Policy: https://moathothman.github.io/ExploringIdeas-legal/clearspend/privacy.html